Ghost, goblins, and haunted houses are not the only scary thing homeowners should be ready for this Halloween season. Fires, theft, and vandalism are scary insurance claims that commonly haunt homeowners during this time. Fortunately, most homeowners’ policies are Halloween friendly. Here are tips to prepare for potential spooky insurance claims.
Avoid fire hazards. Halloween is all spooky fun until a jack-o-lantern is knocked over and sets your property on fire. Planning can help make this Halloween a fire safe one. According to the National Fire Protection Association, nearly a thousand home fires are caused by Halloween decorations. However, don’t get too spooked, a fire started by a Halloween candle will be covered. But, it is safest to use a glow stick or battery-operated candle in a jack-o-lantern.
While trick-or-treaters are in search of candy, beware of spooky unwelcomed thieves and vandals prowling on your property. Avoid luring these creepy crawlers to your home by leaving your house dark. Turn your lights on if you leave your home. Also, consider motion-detecting lights for your yard. Fortunately, theft, burglary, and vandalism are covered under most homeowner insurance policies. To assist with any claim of the sort, a homeowner should take time to list all of their belonging and what they are worth to be prepared for such a horror.